Responsibility
"PayPal has a responsibility to ensure [...] that consumers who contribute to these campaigns understand where their money is going."
No it doesn't. PayPal has a responsibility to send money exactly where I tell them to as soon as possible. The responsibility to educate users falls on the crowd source site / project. They have no more business sticking their beak in here than Visa has declining a payment because the food in my basket is unhealthy.